Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$425,183Cash toward the purchase price.
Closing costs + prepaids$11,378Not just lender fees.
Before credits & paid funds$436,561The complete starting cash picture.
Estimated remaining funds due at closing
$436,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,182.97
Your down payment$425,182.97
Closing costs + prepaids$11,378.17
Total buyer cash needed$436,561.14
Remaining funds due$436,561.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$210.00
Prepaid interest, first (6 days)$15.17
Fees + prepaids$11,378.17
Your down payment is the seller’s equity. You take over the $14,817 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $436,561.14 is due at closing. Uses and sources reconcile at $451,378.17 each. Not a Closing Disclosure.